I am philosophically opposed to ever using Zelle. The banks behind Zelle openly stated in Zelle's planning that one of the motivations behind it was liability

I am philosophically opposed to ever using Zelle. The banks behind Zelle openly stated in Zelle's planning that one of the motivations behind it was liability shifting, away from the banks, on to consumers. Other benefits to the consumer are just to make the platform more appealing.